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Student Insurance Benefits Summary

Southern Adventist University is pleased to offer an Injury and Sickness Insurance Plan underwritten by UnitedHealthcare Insurance Company. Students taking six or more credit hours are required to purchase this insurance plan unless proof of comparable coverage is furnished. International students are required to purchase this plan unless they show proof of a comparable travel plan. Graduate students are eligible on a voluntary basis.

Complete policy information at UnitedHealthcare >>

Highlights of Coverage and Services through Aug. 23, 2015

  • There is no overall maxium dollar limit on the policy.
  • Benefits are payable up to 80% of Preferred Allowance for Preferred Providers. Out of Network benefits are payable at 60% of Usual and Customary charges. There is a $50 deductible for each injury or sickness. The deductible will be reduced to $25 per injury or sickness with a University Health Center referral.There is a $300 deductible for out of network providers.
  • Prescription drug benefits: $10 Copay for Tier 1 / $25 Copay for Tier 2 / $40 Copay for Tier 3, up to a 31-day supply per prescription. Prescriptions must be filled at a UnitedHealthcare Network Pharmacy.
  • Coverage is available for eligible dependents.
  • Global Emergency Medical Assistance: Domestic students are covered when 100 miles or more away from their campus or home address. International students are covered worldwide except in their home country.
  • MyAccount, available through, allows insured students to check their claim status, search for network providers, print ID cards, enter accident details, and view Explanation of Benefits.
  • The UnitedHealth Allies discount program (Included with every policy) provides a savings of 5% to 50% on dental and vision services, fitness clothing and equipment, and textbooks from McGraw-Hill Professional. The UnitedHealth Allies program is not insurance and is offered by UnitedHealth Allies, a UnitedHealth Group company.
  • UnitedHealthcare Options PPO have agreed to accept special reimbursement rates for treatment rendered to insureds; therefore, use may result in lower out-of-pocket expenses. 
  • Pediatric Dental and Vision Benefits are available to age 19.
  • Out of Pocket Maximum for Preferred Providers $6,350 per insured person, per year and $12,700 for all insureds in a family per year.



This UnitedHealthcare policy automatically comes with a global assistance plan called FrontierMEDEX.


  student insurance rates

  8/24/14 - 8/23/15  8/24/14 - 1/10/15 1/11/15 - 8/23/15 5/11/15 - 8/23/15
 Student  $963  $369 $594  $277
 Spouse  $2,307  $885 $1,422  $663
 Each Child  $1,059  $406 $653  $305
 All Children  $1,901  $729 $1,172  $547
 All Dependents  $4,070  $1,592 $2,559  $1,194